The best car insurance in Nashville, TN

Ed Zuccarelli

By

Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Published November 9, 2021

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The average cost of full coverage car insurance in Nashville is $1,407 a year, higher than the Tennessee state average of $1,329. But car insurance costs vary widely, you can enter identical information with two different companies and get two very different quotes.

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Policygenius makes it easy to see what you’ll pay with top car insurance companies, so you can be sure you’re choosing the right coverage at the best price. 

Key Takeaways

  • Tennessee requires minimum coverage levels of $25,000/$50,000 in bodily injury liability and $15,000 in property damage liability

  • State Farm offered the cheapest car insurance in Nashville, at an average rate of $773 a year for full coverage 

  • Each car insurance company uses different standards when setting rates, so comparing options from multiple companies will help you get the best deal

Cheapest car insurance companies in Nashville, TN

Insurance companies use lots of different factors when determining car insurance rates. Some of these factors are totally out of your control, like your age and gender, but some you can work on, like your driving history or credit score. The cheapest company for one driver isn’t always the cheapest for another, which is why you should always take time to compare quotes before you buy a policy.

Company

Average cost

JD Power Rating

State Farm

$773

881

USAA

$812

890

GEICO

$1,029

871

Auto-Owners Insurance

$1,047

890

Nationwide

$1,326

876

Cheapest car insurance rates by ZIP code in Nashville, TN

In a city like Nashville, insurance rates can vary from neighborhood to neighborhood. More suburban areas with fewer cars on the roads will have lower rates than denser neighborhoods with busier streets.

ZIP code

Average cost

37080

$1,353

37201

$1,358

37203

$1,355

37204

$1,356

37205

$1,321

37206

$1,383

37207

$1,376

37208

$1,386

Choosing the right car insurance company in Nashville, TN

There’s a lot to consider when you’re shopping for car insurance — cost is a major factor, but you also want to find a company with solid claims satisfaction ratings, a range of discounts, perks like accident forgiveness, and digital tools that can make claims filing easier. 

Policygenius can help you understand the coverage you need and see what you’d pay with different top companies, so that you can feel confident you’re making the right choice.

Car insurance rates for drivers with driving violations in Nashville, TN

A driver with multiple accidents, moving violations, and claims on their record will be considered a greater risk to insure and will see higher rates. The best way to avoid these rate increases is to be a safe and careful driver — but if you already have a poor driving record, it’s all the more important to compare quotes when you’re shopping for a policy. 

Violation

State Farm

USAA

GEICO

Auto-Owners Insurance

Nationwide

At-fault Accident

$931

$1,241

$1,863

$2,377

$2,177

DUI

$858

$1,636

$1,954

$3,311

$2,704

Driving with a suspended license

$858

$1,578

$2,739

$3,311

$2,704

Driving with an open container

$858

$1,149

$1,954

$1,774

$1,630

Driving with expired registration

$858

$1,028

$1,188

$1,067

$1,630

Driving without Lights

$858

$1,028

$1,231

$1,067

$1,630

Failure to show documents

$858

$1,028

$1,188

$1,067

$1,630

Failure to stop at a red light

$858

$1,028

$1,231

$1,067

$1,630

Cheapest car insurance for drivers with bad credit in Nashville, TN

Most car insurance companies will check your credit as part of the application process. The check doesn’t affect your credit, but your score will affect your rate. The lower your credit score, the more you’ll pay for car insurance.

Company

Rates for drivers with bad credit

USAA

$1,518

GEICO

$1,561

Grange Insurance

$1,878

Nationwide

$1,916

Tennessee Farmers Mutual Insurance

$1,978

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Buying car insurance in Nashville, TN

Most drivers need more than the minimum amount of coverage required in their state, but all drivers need to at least meet the minimums required by law. The minimum coverage levels required in Tennessee are:

  • $25,000 in bodily injury liability coverage per person

  • $50,000 in bodily liability coverage per accident

  • $15,000 in property damage liability coverage

Electronic proof of insurance: Tennessee accepts electronic proof of insurance. In the event you cannot find your paper insurance card, you can pull up proof of insurance on a phone, tablet, or other mobile device.

Tennessee is an at-fault state. Under Tennessee law, the driver who is found to be at-fault for the accident is legally and financially responsible for damage and injuries that resulted from the accident (that means their insurance company is the one that pays.

How to get cheap car insurance in Nashville, TN

Shopping for car insurance can seem complicated, but there are some simple ways to make sure you’re getting the best price.

  1. Compare quotes before you buy, so you know you’re not missing out on more affordable coverage somewhere else

  2. Understand which discounts are available so you can make sure you’re getting all the ones you qualify for, like discounts for being a safe driver, paying your premium in full or being part of certain groups or organizations 

  3. Bundle your policies. Getting your home and auto insurance from the same company can earn you savings on both policies.

  4. Reshop yearly, even if you’re happy with your current company, so you know you’re not paying more than necessary

Frequently asked questions

How often should I update my coverage?

Life happens, and when it does your insurance needs can change. You’ll need to update your coverage whenever you buy or trade-in a car, move addresses, add a new driver, get married or divorced, or buy a house. All of these changes can also have an affect on your rates.

What is collision coverage?

Collision coverage covers the cost of damage to your own car when you’re in an accident, whether you back into traffic or crash into a telephone pole. It’s not required by law, but you’ll probably be required to add it to your policy if you have a car loan or lease your vehicle.

Is car Insurance mandatory in Tennessee?

Yes. Every actively registered VIN in Tennessee that is driven on Tennessee roadways must have the minimum liability insurance coverage required by law. If you’re caught driving without car insurance, there could be serious consequences.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.